Privacy Policy

Effective Date: <>

This Privacy Policy describes and
governs the information collection, use and sharing practices of MBS Direct,
LLC ("MBS") with respect to this website.

This Privacy Policy applies to information collected by MBS and does not
apply to information collected by any third-party sites to which MBS may link
or to information provided to, or collected by, third-parties through third-party
cookies, web beacons, or other third-party technologies served during your visit
to the Website.

By using the Website, you agree to be bound by the terms of this Privacy Policy.

Definitions

"We", "our" and "us" means MBS, the operator of this website.

"You" and "your" means you, the person visiting this website.

"Personal information" means the following information about you that
we collect through the website:

Personal information does not include aggregate information about our customers in which
your identity cannot be discerned. Personal Information (as We use that term in this
Privacy Policy) also does not include the following types of information we
automatically collect when you visit the Website:

-IP Address
-Device IDs
-Cookies
-Clear GIFs/trackign pixels

Contractor means a third party that is not owned or controlled by
MBS, but that has been retained to provide certain services for us, on our
behalf or through our website(s).

Collection and Use of Information

Why We Collect Personal Information.

We collect Personal Information and other information from you, and about you:
-to provide you with products and information that you request;
-to send you news and information about our company, products and services;
-to contact you, if necessary;
-to diagnose problems with our computer systems and administer our website; and
-to enhance your online experience, as described in greater detail below.

How We Collect Information

Your Submissions. We collect personal information that you provide
to us when you register for an account, Promotion (defined below) or other
program on our website, place or commence an order, or e-mail us.

Automatic Collection.
We automatically receive certain types of information whenever you interact with Us
through Our Website. For example when you visit the Website, our systems, or those
of our service providers, may automatically recognize your IP address, domain name
and general location, a unique identifier for your Internet-enabled device, date
and time of visits, the type of browser you use, the website from which your visit
originated, the website you visit after leaving our website, page visits, time spent
on web pages, the advertisements clicked on or scrolled over and other data. Below
we describe certain information collected, and the actions and technologies that
facilitate the collection of such information, in greater detail.

IP Address.
Your “IP Address” is a number that is automatically assigned to your
computer by your Internet service provider whenever you are on the Internet.
When you view pages of our website, our servers may record or “log” your IP
Address and sometimes your domain name and general location.

Device IDs.
You may be visiting our website from your mobile device like a mobile phone or
tablet. Certain mobile service providers uniquely identify mobile devices, and
we or our third-party service providers may receive such information if you access
our website through mobile devices. Some features of the website may allow for the
collection of mobile phone numbers, and we may associate that phone number to mobile
device identification information.

E-mail.
If you receive e-mail from us, we may use certain tools to capture data, including
when you open our message, click on any links or banners it contains and/or make
purchases. Certain e-mail messages may also contain tracking pixels or similar
technologies, which collect and provide us with information while you are on our
website.

Cookies.
Our website uses “cookies” to customize your shopping experience or to keep track of
your shopping cart. Cookies make web surfing easier for you by saving your customer
identification information (i.e., username, password, shopping cart information, user
preferences, etc.) while you are at our website. Cookies also track where you travel
on our website and what you look at and purchase, and where you go after you leave our
website. When you visit our website again, the cookie allows the website to recognize
your browser and customize your experience. You can set your browser to refuse cookies
or to indicate when a cookie is being sent. However, some website features or services
may not function properly without cookies.

Clear GIFs/Tracking Pixels.
A clear GIF or tracking pixel is typically a one-pixel, transparent image (although it
may be visible) located on a web page or in an e-mail or other type of message, which
is retrieved from a remote site on the Internet enabling the verification of a person's
viewing or receipt of a web page or message.

City Level Geolocation Data.
We also use your IP address to determine what city you our visiting our Website from.
We do not determine your street address or precise longitudinal or latitudinal
coordinates.

We may use the information described above:

-to operate the website and to provide general statistics regarding the use of the website,
including behavior or demographic information;
-to analyze and develop our business strategy;
-to determine how you found out about us,
-to determine your interests regarding our products and services;
-to personalize content and recommendations for you and other;
-to target marketing for you and others; and
-to improve our website and the user experience.

To accomplish all this, and also to allow us to offer our customers streamlined ordering
and other useful features, we use and allow our third-party advertising companies, software
vendors, fulfillment companies, and contractors to use the technologies listed above and other
similar technologies (“Tracking Technologies”).

WE HAVE NO RESPONSIBILITY OR LIABILITY FOR ANY TRACKING, DATA COLLECTION OR OTHER ACTIVITIES
OF THIRD PARTIES.

In some cases, we may link information that is not Personal Information and which was automatically
collected through Tracking Technologies with Personal Information.

Information from Other Sources. We may obtain information about you from outside sources and combine it with your account information.
For example, we may purchase demographic and other marketing information from third parties to help us
better serve you or inform you about products or services that we think will be of interest to you. We
sometimes receive updated delivery and address information from our shippers or other sources so that
we can correct our records and deliver your next purchase or communication more easily. Finally, we
may also purchase lists containing your Personal Information (e.g., address, phone number, e-mail address)
for advertising and marketing purposes.

Your Ability to Opt Out from Receiving Certain Communications from MBS

At any time, yo may choose to opt out from receiving marketing communications from us. You can opt out of receiving such
communications by clicking on an “opt-out” link provided at the bottom of an e-mail that you receive from us, or by calling our
Customer Service Department at (800) 325-3252. Your request will be handled promptly, although you may still receive marketing
communications that were already in process prior to receipt of your request. Additionally, we may continue to send you communications
relating to your orders, technical matters related to the website, and the Terms of Use or this Privacy Policy.

MBS's Ability to Share your Personal Information

Generally. We do not rent, sell or share personal information about
you with other people or companies except in the situations described below.

Sharing Your Information with Our Contractors. From time to time we may share Personal Information with contractors
that provide us with services. We may share information provided by you directly or through Tracking Technologies with contractors
that provide support services to us such as our e-commerce software vendor, fulfillment companies, transaction processor, printer,
mailing house, or web host or with companies that help us market, distribute, or sell our products and services. We also may share
information provided by you to contractors that conduct research and analysis concerning the people who request information from us.
We also may share your Personal Information with contractors that provide a service directly to you through our website. These
contractors may need information about you in order to perform their functions.

HOWEVER, A CONTRACTOR PROVIDING A SERVICE DIRECTLY TO YOU THROUGH OUR WEBSITE MAY COLLECT PERSONAL INFORMATION AND OTHER INFORMATION
DIRECTLY FROM YOU. SUCH CONTRACTOR MAY HAVE ITS OWN TERMS OF SERVICE AND PRIVACY POLICY, AND WE ARE NOT RESPONSIBLE OR LIABLE FOR THE
ACTS OR OMISSIONS OF SUCH CONTRACTOR.

Sharing Your Information with Advertisers. We may participate in
behavioral-based advertising. This means that we or a third party may use
Tracking Technologies to collect information about your use of our website or
other internet usage so that they can provide advertising about products and
services tailored to your interest. That advertising may appear either on our
website, or on other websites. We also may share traffic and transaction
information with business partners and advertisers on an aggregate and
anonymous basis.

We currently use Google and Adobe for analytics, marketing, and advertising
network services. These services provide us with aggregated information about
our visitors. If you would like to opt-out of behavioral-based advertising, or
analytics through these services you may opt-out by following the instructions
at the following sites:

Sharing Your Information with Publishers. In some instances, we may
share your personal information with the publisher, copyright holder or author
of the products you purchase from us. These parties may use your information to
send you updates, corrections or other information related to those materials.

Sharing Your Information with Educational Institutions. We may share
your Personal Information with any educational institutions to which you indicate
that you belong and with which we have a contractual relationship. The educational
institution may use your Personal Information to verify that you have obtained books
and other course materials required for a particular course. The educational institution
may also use your Personal Information to verify that MBS is in compliance with any
agreements between MBS and the educational institution..

Share Links. We may use third-party advertising companies to serve
ads when you visit our website. The website also may contain links to other websites
that are not under our control. These links may include the use of so-called “share links.”
A “share link” is a button and/or text link appearing on our website that enables the launch
of a sharing mechanism whereby you can post links to, and content from, the website onto
social networking websites such as Facebook, Twitter or Pinterest. The privacy policies of
other website operators or advertisers may significantly differ from our Privacy Policy. We
urge you to read the privacy statements of each and every website you visit and to contact
the third-party website operators or advertisers directly if you have any questions or
concerns about their data collection or privacy policies.

WE HAVE NO CONTROL OR INFLUENCE OVER THE PRIVACY PRACTICES OF SUCH OTHER WEBSITES AND
ADVERTISERS AND WE DO NOT ASSUME ANY RESPONSIBILITY OR LIABILITY FOR ANY THIRD-PARTY
WEBSITE OPERATORS' OR ADVERTISERS' DATA COLLECTION PRACTICES, THEIR FAILURE TO ABIDE BY
THEIR PRIVACY POLICIES OR THE CONTENT OF ANY THIRD-PARTY WEBSITES.

Sharing Your Information with Law Enforcement. We fully cooperate with reasonable
requests for information from law enforcement agencies. As a result, we reserve the right to
report to law enforcement agencies any activities that we reasonably believe to be unlawful,
or that we reasonably believe may aid a law enforcement investigation into unlawful activity.
In addition, we reserve the right to release your Personal Information to law enforcement
agencies if we determine, in our sole judgment, that either you have violated our policies,
or the release of your information may protect the rights, property or safety of MBS, you or
one of our other customers..

Sharing Your Information as Permitted by Law. We may disclose Personal Information
when we believe disclosure is appropriate to comply with the law or protect the rights,
property or safety of ourselves or others; when it is necessary to identify or contact you
in connection with, bring, or defend legal action against persons or entities that we believe
may be causing harm to you, our company or third parties; and, when necessary, to protect or
defend our rights or property.

Sharing with Affiliates and Successors. We may share Personal Information with
our parent, subsidiary and sister companies (collectively, “Affiliates”), and they may use
such information to market to you, so long as those Affiliates comply with this Privacy
Policy. We may also disclose your Personal Information to any actual or potential
successor-in-interest of ours, such as a company that is seeking to acquire us, the website,
or the business and activities carried on via the website.

Contests, Sweepstakes and Promotions. Occasionally, we may run a promotion such
as a sweepstakes or a contest (a “Promotion”), and you will be given the opportunity to enter
by filling out an entry form, or in some cases, you may be automatically entered by using a
designated type of credit card when placing an order in store, online or via phone. Your entry
information may be shared with third parties for the limited purposes of administering the
sweepstakes and selecting a winner(s) and may be used to notify you in connection with the
sweepstakes or contest and to verify your identity. Some Promotions may have one or more
co-sponsors, and you may also be asked upon entry to consent to receive future communications
from such co-sponsors. In the event your consent is indicated, the information from your
entry will be shared with the co-sponsors. IN THOSE SITUATIONS, THE THIRD PARTIES WILL HAVE
THE RIGHT TO USE YOUR INFORMATION FOR THEIR OWN PURPOSES, IN ACCORDANCE WITH THEIR OWN POLICIES,
AND WE ARE NOT RESPONSIBLE FOR HOW CO-SPONSORS MAY USE YOUR INFORMATION. In all events, we will
make it clear to you in the entry, order or registration form, before you submit it, whether you
are consenting to receive information from any third party, and you will be given the opportunity
to opt not to receive such information at the time you submit your entry, order or registration.

Security of Your Information

We take reasonable and appropriate measures to help keep information secure and to help prevent
it from becoming disclosed. Even though we follow reasonable procedures to try to protect the
information in our possession, no security system is perfect so we cannot promise, and you should
not expect, that your information will be secure in all circumstances.

For security purposes, we do not accept credit card information via email, web form, or social media.

Editing Your Personal information

Once you have provided Personal Information to us, we may store and maintain that information. You may
review and edit certain information online by logging into your account and accessing the “My Profile” or
“My Account” page, where you will be able to edit your information. Additionally, you may contact us using
the contact information below and we will edit or delete your information except as prohibited by law.

Information Shared With MBS by Educational Institutions

In some circumstance MBS has agreed to provide services to educational institutions including, among other
services, making available books and other course materials to those educational institutions' students. In
such circumstances, the educational institution may provide MBS with information about you (for example, your
student e-mail address) so that we may send you news and information about our company, products, or services.
The information provided by an educational institution is not covered by the terms of this Privacy Policy and
is instead governed by the terms of the agreement between MBS and the educational institution.

Collection of Information from Children

We do not provide products and services to children. We do not knowingly collect or solicit information
from children under the age of 13.

International Users

Your Personal Information will be stored and processed on our computers in the United States of America.
The laws on holding Personal Information in the United States of America may vary and be less stringent than
laws of your state or country. If you object to your Personal Information being transferred or used in this
manner, please do not register with or use the website.

Do Not Track Signals

Some web browsers and devices allow you to broadcast a preference that your activities online not be “tracked”.
At this time, our Website does not take action in response to “do not track” signals.

Your California Privacy Rights

Residents of the State of California, under certain provisions of the California Civil Code, have the right to
request from companies conducting business in California a list of all third-parties to which the company has disclosed
certain personally identifiable information as defined under California law during the preceding year for third-party
direct marketing purposes.

You are limited to one request per calendar year. In your request, please attest to the fact that you are a California
resident and provide a current California address for our response. You may request the information in writing at:

MBS Direct
2711 West Ash Street
Columbia, MO 65203

Changes to the Privacy Policy

We reserve the right to modify or amend this policy at any time by posting the revised policy on our website,
so we encourage you to review the policy periodically. Any material changes in how we collect, use or share your
Personal Information will only affect the information we collect after the effective date of the change to our
policy, unless we obtain your consent otherwise.

Contacting Us

If you have any questions or
comments concerning this Privacy Policy, please contact MBS Customer Service at
<> or at <>.